Author : Richard Mathera

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Richard Mathera is a behavioral researcher with Common Cents Lab, which is a financial and behavioral-science based research program out of Duke University and is in association with the Center for Advanced Hindsight. He has extensive experience applying behavioral economics in a variety of fields, including finance, health, nutrition, security, education, and international development. Prior to joining Irrational Labs, Richard was a Senior Behavioral Scientist at the Common Cents Lab, a Duke University initiative which leverages behavioral economics to improve the financial well-being of low and moderate income Americans, where he designed and launched numerous behaviorally-informed products, features, initiatives, and experiments.

Does Budgeting Actually Help People Save Money? This Experiment With a Huge Fintech Company Suggests … Not.

Richard Mathera
by Richard Mathera0
This article has been co-authored by Lindsay Juarez, Director Budgeting — tracking expenses and planning how much to spend in specific categories — is often heralded as invaluable. But is it?  To test whether budgeting actually helps people save money or reach financial goals, we partnered with a large fintech......
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